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Kanchan

Kanchan Rai  |175 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 11, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Asked by Anonymous - Jan 11, 2024Hindi
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Relationship

I am married, my wife always ignores me whenever she was with her elder sister husband. She goes his room without informing me late night when to his house. I have told many times that i don't think it's but even goes to his room n ignores me. What I do?

Ans: It's important to address issues in your relationship with open communication and understandingShare your feelings openly and honestly, using "I" statements to avoid sounding accusatory. For example, say, "I feel ignored and hurt when you go to his room without informing me."Give her the chance to express her feelings and point of view. It's possible that there might be reasons you are unaware of, and understanding her side is crucial. Establish clear boundaries that both of you are comfortable with regarding late-night visits and interactions with others. Find a compromise that respects both your needs and hers. Trust is crucial in a relationship. If trust has been compromised, work together to rebuild it. This may involve open communication, transparency, and commitment to each other's feelings.
resolving relationship issues takes time, patience, and effort from both partners. Open communication and a willingness to understand each other's perspectives are key to overcoming challenges.

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Love Guru

Love Guru   |187 Answers  |Ask -

Relationships Expert - Answered on Apr 20, 2022

Relationship
I am from mechanical background and work as an engineer. My wife is an IT professional. We got married in 2014 by finding through matrimony site and same caste. I belong from Haryana and she is primarily from UP and we have grown in different cities. She has one sister (IT professional) who got divorced in 2012 and married again in 2014 after our engagement. Everything was fine. The story started after the engagement. I noticed she used to talk her jija (PG guest house renter) and I showed him caution since she did not attend my call in between. I again noticed her commanding behaviour when we were selecting the menu selection (food) for the upcoming function that was to happen at my place but I ignored it. Honeymoon was in Singapore where his brother played a role for ticket arrangement and agency where I paid her half the amount as per her wish. In the honeymoon also, I noticed she use to go to the bathroom and keep sending information to her family members which I ignored. By now I was of a view that she use to share thick and thin with her family members. After we married, I was supposed to go to Pune for two nights and she was alone in our flat. When I came back, I asked the security guard to share visitors list and saw her jija’s name (might be with her sister). I took a photo and went to the flat. I asked her anyone had come and she lied to me. Then it turned to be a hell fight and in the morning she put herself on her knees and said sorry and said it will not repeat. But this did not stop here. My and her office was in Gurgaon and sometimes she said please come for pickup. I went to her office two hours prior to her given time and caught her again with her jija and her sister. This kind of stuff I noticed two-three times. Once, we were roaming in a craft mela and we came across her jija and her sister. She used to go her home without telling for how much time she is going and all. This resulted in no stuff shared by me also. Her parents never called me and I also never connected with her parents and brother or her family. Whenever any fight happens, she shouts loudly to attract attention and she uses sex as a tool to forget every matter and move on. On the festival front, she carries on with her ways and has never accepted our ways. She always mentions, ‘Tum logon ko puja bi nahi karni aati.’ Her brother and parents visited only five-six times in seven years. They have a big time connection with elder jija. We have never take any penny from her salary till now because, on many occasions, I found her of ill-mentality. With God’s grace, we have two flats and our financial background is good. Whenever I try to ask her about her bank balance, she never gives answers. I tried to convince her that you pay my loan, I will give you EMI, but she always said she will think about it. I have four sisters. After we married, we visited them. She never gave them a penny and would always ask me; she would also say that I don’t have khulle paise. On one occasion she said, “Mere paise chori ho gaye.” It was the initial stage so we ignored it. But after that my shirt went missing and some stuff went missing. We also noticed a few times that our money was also stolen. We suspect her but are not sure about her behaviour. My sisters stay in the village and they came once in a year so there is no disturbance from my family. My mother is 75 years old and a very polite lady. She stays with us and interferes nothing in matters. We have two kids now. One of our kids is just ignoring her and the second kid is somewhat going with her and when I am at home he also usually spends time with me. She is never kind of playing and mixing person with kids and my behaviour is to mix and that’s the reason both kids connect well with me. Her parents stay in Dhanbad. She had gone there one year back but the kids refused to go. She put the blame on me. I told her that I can come along with kids to which she said big joke. After coming back from home, I notice she started saying no to everything -- like going our second home in the village or to attend any ceremony or saying no to sex, etc. Though I am a through gentleman, we ignore her but recently she provoked me and I said blah, blah, blah since she also use blah, blah, blah and recorded and called her brother and mother at our home. They use her father only for calling. Her father called and said, ‘Why are you using bad language?’ I said the same was used by her. They came my house twice for meeting. Her brother was quiet and mother overspoke. My wife used to threaten me three-four time for divorce and I kept ignoring her words. I mentioned this to her mother. Her mother in that meeting she will be here with taunting. She did the same thing to provoke second time and this time her mother use to never stop shouting along with my wife. Her brother also used abusive language and they brought one retired inspector. However, that retired person talk genuinely. He was from Haryana and, on many points, he mentioned festivals have family traditions. I never like her food in seven years not due to the bad reflection but due to her making recipe. I tried to change it in initial days, but she always tries to be heavy on me once I approach kitchen. So I left that and started eating. After two recent fights, there are no talks and I have kept one maid to cook my food. Now she used to go in the market/bank /her family frequently to disturb the atmosphere of the family. The big disconnect I found is she is full with backbiting and negative approach behaviour and never gives heed to positive behaviour. Either she will be quiet or she will be loud and attach no midway to discuss and debate. After all this, what I concluded is that my wife is totally hacked mind and adopted ill tactics to down me. Her family members are playing smartly and may be using her money also at the same time I observe that she don’t want to break with me. They want to put pressure on me by emotion/threaten means for the gaps (kids are not connected with her or her family). My thinking is time is a big healer and I have large mind to digest the situation comings. Please suggest me what can be best interest of this situation. Thanks
Ans:

Most of what you have written makes no sense.

If she is attached to her sister and brother-in-law, or even to her whole family, that should not be an issue for you. They are her family.

It’s not like she’s having an affair. And it’s not like she spends an unreasonable amount of time with them, is it? In fact, her parents are not even in the same city.

You not liking her cooking sounds like a complaint from the Middle Ages -- hiring a cook seven years ago would have helped instead of fighting!

And if she has a temper problem, that can be addressed as well, with mature discussions between the two of you. Involving other family members there is a mistake.

You’ve given importance to so many non-issues in your mail to me that I’m wondering where exactly the problem lies. Visit a marriage counsellor -- both of you.

 

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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Dec 20, 2022

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Hi Anu, I want to be anonymous on this.I'm 34years old and married 4.5months ago. It was an arranged marriage, we are from different caste. I'm a partial handicap person; I have issues with my leg. I am having issues with my wife's behaviour and I am looking for some consultation. During the initial conversations before marriage, she agreed on everything -- cooking, keeping me at bay on all works. I even informed, I don't like people who get angry and instead I like to discuss the issue and get it sorted out.But after marriage everything changed. From Day 1, she got angry on very little things like not giving hug/not drinking milk, using the phone while eating, laughing with colleagues while working or even if I cooked without informing. Getting angry is fine but she locks herself in a room for 5-10 hours and won't even respond to me. That irritates me the most. If by chance the door is open and when I enter, she won't see me and just go away like I'm some sort of stranger. I explained a lot but conveying this is wrong and it hurts me a lot, but still she does the same. I cried like a baby when I held her for not allowing her to leave the room.This has become a habit. In 4.5 months this happened for 2-3 months. My parents came home recently. Even during that time when we went out she got angry on a few things. I am not sure what it was about. When I am with family, I should respond to their needs but can't stay with her completely right? Why she can't understand it?I have to plead with her 1-2 hours to talk to me on the issue and then she tells me 'I did this/that and due to this, she got angry like the one I gave example above.She doesn't wake up till 8:30 or 9am. She won't cook or help me with household activities. And even when my mom came to teach her cooking, she didn't go. But in general, she says I want to learn cooking and especially learn what my husband likes.How much I can do? I'm getting frustrated with this behaviour and even informed her 'You're making me afraid to talk to you thinking what might get you angry.' Still no use. Please help me.
Ans:

Dear SD,

I have heard your side of the story but haven’t heard your wife on the same issue.

It seems the way you have described that your wife’s behaviour is unreasonable and selfish.

But I do believe that it takes two to tango.

What ever made her turn around differently from what she agreed upon before marriage?

Was she forced into this marriage?

Maybe it’s time to ask her:

What can I do for you?

What about me or my behaviour annoys you?

These questions shift from blame game to a solution space where you also take on the onus along with her to make the marriage work.

Obviously, something isn’t going on right and instead of bringing more instances that will prove that she’s at fault, why not bring in a space where the two of you work on your marriage.

Most times, just a shift in this thinking saves marriages and relationships.

All the best!

..Read more

Dr Ashish

Dr Ashish Sehgal  |97 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 16, 2023

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I am 33 year old and my wife is 2 year elder than me, we married in 2014 and we have a son who is 5 year old. But i noticed from last 6 years she didn't interested in me. I tried a lot to make her smile many times i do what she want, even if i do something i want she never be so happy. I done a conversation with her a lot about that but she said she is not fit, she always think about her anxiety and cervical issue. We hardly do sex sometimes maybe once in a month, she never ask me to do, she try to hide her feelings her lot i ask many times to be open. She just show anger on me many times on small topics, even she picks issues and those are very small. I ask already do you like to take divorce then tell me, but she didn't replied and angry again. She just give a excuse that i am not well having cervical pain, even we go to many doctors. Many times she is watching reels and Kdramas she keep ignoring me. What should i do ? Sometimes i think i should find someone outside for my happy life ? Because like that i kill my feelings and myself i think that because this is not compromise for family as i think ?
Ans: It is sad to hear that you are experiencing this in your marriage. It's important to understand that a lack of interest or intimacy in a marriage can have many different causes, including physical and emotional issues. It's also important to remember that communication is key in any relationship, and it sounds like you have tried to have conversations with your wife about your concerns.

However, it's also important to recognize that if you are feeling unfulfilled and unhappy in your marriage, seeking intimacy outside of the marriage is not a solution. Infidelity can cause irreparable damage to a relationship and can also be emotionally devastating for all parties involved.

Instead, I would encourage you to continue to communicate with your wife about your concerns and explore different ways to address the issues that you are experiencing. This may involve seeking counseling or therapy together, or it may involve taking steps to address any physical or emotional issues that are impacting your wife's interest in intimacy.

Ultimately, the decision to end a marriage is a deeply personal one that should be made after careful consideration and with the guidance of a professional counselor or therapist. If you feel like your needs are not being met in your marriage and you are considering divorce, I would encourage you to seek the support and guidance of a qualified professional to help you navigate this difficult process.

..Read more

Latest Questions
Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - Apr 26, 2024Hindi
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Career
I am persuing master's in Biotechnology and it should be completed in may , where should i can get a job and what are the steps to address a job
Ans: Completing a master's degree in biotechnology opens up various job opportunities in fields such as pharmaceuticals, biotechnology, healthcare, research institutions, academia, and government agencies. Here are some steps to help you find a job after completing your master's in biotechnology. First, determine the specific areas within biotechnology that interest you the most, such as drug discovery, molecular biology, genetic engineering, bioinformatics, or clinical research. Clarifying your career goals will help you target relevant job opportunities. Explore companies, research institutions, universities, hospitals, and government agencies that hire biotechnology professionals. Look for organizations that align with your interests, values, and career aspirations. Network with professionals in the biotechnology industry through online platforms like LinkedIn, professional associations, industry events, seminars, and career fairs. Networking can help you learn about job openings, connect with potential employers, and gather insights into the industry. Tailor your resume and LinkedIn profile to highlight your education, research experience, technical skills, and relevant accomplishments. Emphasize any laboratory techniques, instrumentation, software, or research projects that showcase your expertise in biotechnology. Search for job openings in biotechnology-related roles on online job portals, company websites, professional associations, and academic institutions. Customize your application materials for each position, emphasizing how your qualifications and experiences align with the job requirements. Explore internship or fellowship opportunities in biotechnology companies, research labs, or government agencies to gain practical experience, expand your network, and enhance your employability. Some internships may also lead to full-time job offers. Take advantage of the career services offered by your university, which may include job placement assistance, resume workshops, mock interviews, and career counseling. Career advisors can provide personalized guidance and support throughout your job search process. Job hunting in the biotechnology industry may take time and persistence. Stay motivated, maintain a positive attitude, and be open to exploring different opportunities or career paths within biotechnology.

By following these steps and actively pursuing job opportunities in the biotechnology field, you can increase your chances of securing a rewarding job after completing your master's degree. Keep networking, refining your skills, and staying proactive in your job search to achieve your career goals in biotechnology.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - May 02, 2024Hindi
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Career
How to become pilot in air india ??sir please ???? tell me
Ans: Becoming a pilot for Air India, or any commercial airline, requires dedication, training, and meeting specific qualifications. Here are the general steps to becoming a pilot for Air India: Obtain a high school diploma or equivalent qualification with a strong background in mathematics, physics, and English. Many aspiring pilots also pursue a bachelor's degree, although it may not be mandatory for all airlines. Pass a thorough medical examination conducted by an aviation medical examiner to obtain a medical certificate to ensure that you meet the medical standards required to operate aircraft. Enroll in a reputable flight training school or academy to obtain the necessary flight training and experience. You'll need to complete a certain number of flight hours, including both solo and dual instruction, to qualify for a commercial pilot license. Obtain a private pilot license (PPL), followed by a commercial pilot license (CPL) from the aviation authority in India. Additionally, you'll need to earn various ratings and endorsements, such as instrument rating (IR) and multi-engine rating (ME), to qualify for airline pilot positions. Gain experience as a pilot by accumulating flight hours through various means, including flight instruction, aerial surveying, charter flights, or other entry-level pilot positions. Most airlines, including Air India, require pilots to have a minimum number of flight hours before applying for a position. Once you meet the qualifications and experience requirements, you can apply for pilot positions with Air India through their official recruitment channels. Keep an eye on their website or job postings for any openings for pilots. If selected for an interview, you'll undergo various assessments, including technical knowledge tests, simulator evaluations, and interviews with airline representatives. Successful candidates may then be offered employment as a pilot with Air India. After being hired by Air India, you'll undergo type rating training on the specific aircraft types operated by the airline. This training includes classroom instruction, simulator sessions, and flight training to become qualified to operate the airline's aircraft. As a pilot for Air India, you'll undergo recurrent training and proficiency checks periodically to maintain your qualifications and stay up-to-date with the latest regulations, procedures, and aircraft technologies.

It's essential to research and understand the specific requirements and procedures for becoming a pilot for Air India, as they may have additional criteria or selection processes tailored to their airline operations. Additionally, networking with current pilots and industry professionals can provide valuable insights and guidance throughout your career journey.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

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Career
My daughter is doint phd in virology from iisc bangalore after that what type of job she can apply
Ans: A Ph.D. in virology from a prestigious institution like the Indian Institute of Science (IISC) in Bangalore opens up numerous career opportunities for your daughter. With her expertise in virology, she can pursue a career as a research scientist in academic institutions, research laboratories, government agencies, or pharmaceutical and biotechnology companies. She can conduct research on viruses, develop diagnostic tools, study virus-host interactions, or contribute to vaccine and antiviral drug development. Your daughter may choose to pursue a career in academia as a faculty member or postdoctoral researcher. She can apply for faculty positions at universities or colleges, where she can teach virology courses, mentor students, and lead independent research projects. Many pharmaceutical, biotechnology, and healthcare companies hire virologists for their R&D divisions. Your daughter can work in drug discovery, vaccine development, clinical trials, or diagnostics development, contributing to the development of novel therapeutics or preventive measures against viral diseases. With a Ph.D. in virology, your daughter can work in public health organizations, government agencies, or international health agencies. She can contribute to epidemiological studies, outbreak investigations, disease surveillance, and public health policy development related to viral infections. Your daughter can work as a consultant or advisor for organizations that require expertise in virology, such as biotech startups, pharmaceutical companies, regulatory agencies, or healthcare organizations. She can provide scientific advice, expertise in regulatory compliance, or strategic guidance for research and development projects.

These are just a few examples of the diverse career paths available to someone with a Ph.D. in virology. Depending on her interests, skills, and career goals, your daughter can explore various opportunities in research, academia, industry, public health, communication, or entrepreneurship. Encourage her to network with professionals in her field, attend conferences, and explore different career options to find the path that best suits her interests and aspirations.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - Apr 30, 2024Hindi
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Career
How is BDES in Fine Arts from Amity University Mumbai?
Ans: Amity University Mumbai is part of the prestigious Amity Group of Institutions, known for its focus on quality education and innovative programs. Pursuing a Bachelor of Design in Fine Arts from Amity University Mumbai can offer several benefits: This program at Amity University Mumbai likely offers a comprehensive curriculum that covers various aspects of fine arts, including drawing, painting, sculpture, printmaking, and multimedia arts. Students may have the opportunity to explore different mediums and techniques under the guidance of experienced faculty members. Amity University Mumbai is known for its modern infrastructure and facilities, including well-equipped studios, art labs, exhibition spaces, and digital resources. These facilities provide students with an inspiring environment to unleash their creativity and hone their artistic skills. Amity University often collaborates with industry partners and professionals to provide students with real-world exposure and opportunities for internships, workshops, seminars, and industry projects. This exposure helps students gain practical experience, build professional networks, and prepare for careers in the field of fine arts.

However, it's essential to conduct thorough research and consider factors such as program accreditation, alumni feedback, campus culture, and career support services before making a decision. Additionally, prospective students may benefit from visiting the campus, attending orientation sessions, and speaking with current students or alumni to gain insights into this program in Fine Arts at Amity University Mumbai.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

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Career
Hello sir, im working in govt job PSU for 1 year and im not getting interest here. My age is 27 and passed out in btech ee in 2020. There is almost less work, also its not interesting. I deal with boiler and turbine operations. I want to persue mtech in control / robotics fields. But im afraid of the volatile job market, u see im a bit slow than other people. Do u think i should follow what my heart says or stick to this job due to its job security and my slow brain power . My age is more too. I have good financial support too. Im afraid I will lose job in pvt job. But i want to learn and grow!
Ans: It's natural to feel conflicted about whether to pursue your passion or stick with a secure job, especially when considering factors like job market volatility and personal abilities. Here are some points to consider that might help you make a decision: Consider the balance between pursuing your passion for control and robotics fields and the stability offered by your current government job at a PSU. Think about what will ultimately bring you more fulfillment and satisfaction in the long run. While the job market for control and robotics fields may have some volatility, these sectors also offer opportunities for growth and innovation. Research the demand for professionals in these fields, the potential for career advancement, and the types of companies or industries that are investing in automation and robotics technologies. Reflect on your interest in the control and robotics fields and your desire to learn and grow professionally. Pursuing a master's degree in these areas could provide you with valuable skills, knowledge, and experiences that align better with your career aspirations and interests. While age can be a factor in career decisions, it's important to prioritize your long-term career goals and personal fulfillment. With good financial support and a willingness to learn, you can overcome any perceived limitations and make meaningful progress in your career. Assess the potential risks and rewards associated with transitioning to a new field versus staying in your current job. Consider developing a backup plan or exploring part-time or online learning options that allow you to gain skills in control and robotics fields while maintaining your current job security. 

Assess the potential risks and rewards associated with transitioning to a new field versus staying in your current job. Consider developing a backup plan or exploring part-time or online learning options that allow you to gain skills in control and robotics fields while maintaining your current job security.

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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Career
My daughter is completing her BSc Bioinformatics in 2024 and wants to switch to MCA. Will it better than MSc Bioinformatics? Please advise what to do for getting a good job.
Ans: Both M.Sc. Bioinformatics and M.C.A. (Master of Computer Applications) have their own merits and can lead to rewarding career paths. However, the choice between the two depends on individual interests, career goals, and preferences. Here are some reasons why someone might consider M.Sc. Bioinformatics over M.C.A.: Individuals with a strong interest in biology, genetics, and computational sciences may find M.Sc. Bioinformatics more appealing. This program integrates biological sciences with computer science, allowing students to apply computational methods to analyze biological data and solve complex biological problems. It opens up career opportunities in diverse sectors such as biotechnology, pharmaceuticals, healthcare, genomics, and academic research institutions. Graduates can work on projects related to drug discovery, personalized medicine, genomics research, agricultural biotechnology, and more. It offers an interdisciplinary approach, combining knowledge and techniques from biology, computer science, statistics, and bioinformatics. Students develop a broad skill set that is highly relevant in fields where biological data analysis and computational modeling are essential. With advancements in genomics, proteomics, and bioinformatics technologies, there is a growing demand for professionals skilled in bioinformatics analysis and interpretation. Graduates with expertise in bioinformatics are well-positioned to address the challenges of big data in the life sciences industry. M.Sc. Bioinformatics graduates have the opportunity to contribute to scientific research and discovery by leveraging computational methods to analyze biological data, identify patterns, and gain insights into biological processes. Their work can lead to breakthroughs in areas such as disease diagnosis, drug development, and precision medicine.

While M.Sc. Bioinformatics may offer unique advantages for individuals interested in the intersection of biology and computational sciences, it's important to consider personal interests, career goals, and job market dynamics when making a decision. Ultimately, both M.Sc. Bioinformatics and M.C.A. have the potential to lead to fulfilling and impactful careers, and your daughter should choose the path that aligns best with her aspirations and strengths.

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Career

Career Coach  |37 Answers  |Ask -

Workplace Expert - Answered on May 03, 2024

Asked by Anonymous - May 02, 2024Hindi
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Career
I am a 41-year-old consultant working for an IT firm for the past 16 years. Lately, my job has been very demanding. I have been working 14 to 16 hours at work, with no weekends or holidays. The work pressure is taking a toll on my physical and mental health. I was unwell for two weeks and have been advised by doctors to consider taking up a less stressful job. I have a masters in finance. Do you have any suggestions on what alternate career options I could consider?
Ans: Absolutely, it sounds like you've been burning the midnight oil for quite some time! It's crucial to prioritize your health and well-being, especially when the demands of your job start to affect you physically and mentally. Let's explore some alternative career avenues where you can still leverage your expertise and experience in finance without the overwhelming stress:

1. Financial Technology (FinTech) Specialist:

Step into the world of FinTech, where your expertise in IT and finance can revolutionize traditional banking and financial services. By developing innovative solutions that streamline processes and enhance user experiences, you'll contribute to a more efficient and accessible financial ecosystem, all while enjoying a less stressful work environment compared to client-facing roles.

2. Cybersecurity Analyst in Finance:

Protecting sensitive financial data is paramount in today's digital landscape. As a cybersecurity analyst specializing in finance, your dual proficiency in IT and finance equips you to safeguard financial institutions from cyber threats with precision and expertise, all while enjoying the stability of a role focused on risk mitigation rather than high-pressure client interactions.

3. Quantitative Analyst (Quant) in Finance:

Dive into the world of quantitative analysis, where your technical prowess and financial insight can drive data-driven decisions in portfolio management, risk assessment, and trading strategies. By leveraging your combined knowledge, you'll excel in roles that prioritize analytical rigor and strategic thinking, offering a more predictable and structured work environment compared to consultancy roles.

4. Financial Systems Analyst:

Become the bridge between IT systems and financial operations within an organization. Your ability to optimize financial software systems while ensuring compliance and efficiency will contribute to smoother workflows and reduced stress for finance teams, offering a rewarding blend of technical problem-solving and financial acumen without the demands of client-facing roles.

5. Data Scientist in Finance:

Unlock the power of data in the financial sector, leveraging your expertise in IT and finance to extract actionable insights from vast datasets. By applying advanced analytics and machine learning techniques, you'll drive informed decision-making and strategic planning, all while enjoying the autonomy and intellectual stimulation of a data-driven role with less client pressure.

In these specialized roles, your unique blend of IT and finance knowledge positions you for success in environments that prioritize innovation, efficiency, and strategic thinking over relentless work hours and client demands. By capitalizing on your strengths and pursuing a career path aligned with your interests and well-being, you can achieve professional fulfillment without sacrificing your health and happiness.

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Moneywize

Moneywize   |102 Answers  |Ask -

Financial Planner - Answered on May 02, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Money
I have submitted my Form 15 to my bank in April 2023. My income falls under the non-taxable category against interest received from bank FDs. Bank has not deducted any TDS up to September 2023 but from October 2023 they have started deducting TDS on FD interest earned by me saying that interest earned on my FDs have crossed the limit of Rs 5 lakh. Is the bank right in deducting tax citing this reason? Please enlighten me.
Ans: No, the bank is likely not right in this case. Here's why:

• Form 15G validity: A valid Form 15G submitted before April 1, 2023 is applicable for the entire financial year 2023-24 (assessment year 2024-25). This means if your income falls under the non-taxable category, the bank shouldn't deduct TDS on your FD interest for the entire year.
• TDS exemption limit: The current exemption limit for TDS on FD interest is Rs 40,000 for individuals below 60 years old, and Rs 50,000 for senior citizens (above 60 years old). There's no limit of Rs 5 lakh for TDS deduction on FD interest.

Here's what you can do:

• Reach out to your bank: Inform them that you submitted a valid Form 15G and your income falls under the non-taxable category. You can clarify the exemption limit and point out the mistake.
• Request rectification: Ask the bank to rectify the error and reverse the TDS deducted on your FD interest from October 2023 onwards.
• Seek professional help: If the bank doesn't resolve the issue, consider seeking help from a tax consultant or financial advisor. They can guide you further on how to claim a refund for the deducted TDS.

Additional points to consider:

• Ensure you have a copy of the Form 15G submission acknowledgement for your records.
• Keep a record of any communication with the bank regarding the TDS deduction.

By following these steps, you should be able to resolve the issue with the bank and avoid unnecessary TDS deduction on your FD interest.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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